Congratulations on your decision to buy a home and great job at having 4 years of excellent credit!
The only person who can answer your questions/concerns is a lender. In your situation, I recommend that you speak with a mortgage broker and not necessarily a direct lender like a big bank, such as bank of america or wells fargo or washington mutual. Mortgage brokers usually have more flexibility in the types of loans they have access to. And don't just choose one mortgage broker to "interview." I would recommend that you shop around with different mortgage brokers to compare/contrast their loans, interest rates, apr's & fees.
When a buyer approaches me, I always recommend that he/she talks to at least 3 different lenders. The lenders may all offer the same or similar loans with respect to terms, rates & fees, but you may feel more comfortable with one lender over the others. Let me know if you have any other questions, comments, concerns.
I trust the information I gave you will help you to make good real estate decisions.
HomeSmart Real Estate